Low-cost car insurance in Louisiana

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Southern Farm Bureau provides the lowest car insurance rates in Louisiana at $2,223 a year. The average premium is $348 per month in Louisiana, though your actual rate may vary.

Car insurance requirements differ by state. In Louisiana, drivers are required to carry at least the minimum liability coverage: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Southern Farm Bureau has the cheapest average premium in Louisiana, coming in at $2,223 per year – about $1,957 compared to the state average.
For drivers with an at-fault accident on their record, Southern Farm Bureau offers the lowest rates, with annual costs averaging $2,776.
The 71064 ZIP code is the least expensive area in Louisiana for car insurance, with an average yearly premium of $3,182.

Low-cost car insurance businesses in Louisiana

When comparing insurers in Louisiana, Southern Farm Bureau leads the pack with an annual average of $2,223. That’s $1,957 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Louisiana.

Company	Average annual rates
Southern Farm Bureau	$2,223
GEICO	$3,347
Progressive	$4,218
Farmers	$4,627
Safeway Insurance	$4,679
State Farm	$4,761
Auto Club Enterprises (AAA)	$4,853
Louisiana Farm Bureau	$5,169
Allstate	$9,726
USAA*	$2,696

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Louisiana

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Louisiana

In Louisiana, drivers living in the 71064 ZIP code enjoy the lowest average annual premium at $3,182. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
71064	Plain Dealing	$3,182
71055	Minden	$3,217
71075	Springhill	$3,230
71247	Hodge	$3,245
71251	Jonesboro	$3,247
71071	Sarepta	$3,250
71272	Ruston	$3,254
71006	Benton	$3,258
71474	Simpson	$3,259
71037	Haughton	$3,259

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Louisiana by city

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Low-cost car insurance in Louisiana by age

Teenagers pay significantly more for car insurance than adults in Louisiana. For instance, a 16-year-old driver pays $13,299 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Louisiana.

Age group	Full coverage annual premiums
Teens (16-19)	$14,121
Young Adults (20-24)	$7,042
Adults (25-60)	$4,090
Seniors (65-75)	$3,862

Low-cost car insurance in Louisiana by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Louisiana

One speeding ticket in Louisiana can cause your insurance rates to jump by 34%, or roughly $1,403 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Southern Farm Bureau	$2,223	$2,466	11%	$243
Safeway Insurance	$4,679	$4,756	2%	$77
State Farm	$4,761	$5,060	6%	$299
Progressive	$4,218	$5,479	30%	$1,261
GEICO	$3,347	$6,324	89%	$2,977
Auto Club Enterprises (AAA)	$4,853	$6,363	31%	$1,509
Farmers	$4,627	$7,824	69%	$3,197
USAA*	$2,696	$3,461	28%	$764

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Louisiana

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Southern Farm Bureau is the lowest-cost option for these drivers, with an average annual premium of $2,776.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Southern Farm Bureau	$2,223	$2,776	25%	$553
State Farm	$4,761	$5,402	13%	$641
Safeway Insurance	$4,679	$5,765	23%	$1,086
GEICO	$3,347	$6,779	103%	$3,432
Auto Club Enterprises (AAA)	$4,853	$7,070	46%	$2,217
Progressive	$4,218	$7,084	68%	$2,866
Farmers	$4,627	$7,665	66%	$3,039
USAA*	$2,696	$4,063	51%	$1,367

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Louisiana

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Louisiana offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Southern Farm Bureau	$2,223	$2,814	$590	27%
Progressive	$4,218	$4,732	$514	12%
State Farm	$4,761	$5,060	$299	6%
Safeway Insurance	$4,679	$6,169	$1,490	32%
Auto Club Enterprises (AAA)	$4,853	$6,595	$1,742	36%
GEICO	$3,347	$7,163	$3,816	114%
Farmers	$4,627	$11,203	$6,577	142%
USAA*	$2,696	$4,342	$1,646	61%

*USAA is only available to military community members and their families.

Average cost of car insurance Louisiana

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Louisiana, the average cost of full coverage is $1,667 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Louisiana, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Louisiana.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Louisiana. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.